Hiya
I'll try and explain my situation briefly.
I received 3 mortgage style old loans from 94 to 96. They were sold to Thesis and transferred from the SLC in 2008. I also received another loan under the new income continent scheme directly from SLC in 2004.
I was deferring my mortgage style loans with Thesis until 2012 when communication stopped. My last deferment form was completed and sent back in 2012 and I never received another letter or phone call from them.
Fast-forward to this week. I finally managed to access my online account for the newer 2004 SLC loan (for the first time). After checking my correspondence there I discovered my address had been changed in 2012, about a month after I sent my final deferment. This had nothing to do with me, nor do I know anything about the address that was added.
4 further letters were sent to this mystery address, including a new deferment application form. Obviously I never received these. Having contacted Thesis I have been told the loans defaulted in 2013 and full payment is now due. I understand people say never to phone a DCA but:
I was aware it was way beyond the statute of limitations (11 years since last contact lol) so absolutely would be statute barred.
I needed to confirm no CCJs had been raised at the mystery address (the guy said no, but I checked with trust online to be certain).
i'm now beyond the 25-year point of the write off (would have been 2019 I believe). But it seems like I'm going to be stuck for life with this because of some random change to my address I was not aware of.
Can I do anything about this?